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Actually I don’t know if they’re on top of or a total replacement, but even as a replacement I’m happy! I work as a consultant so it’s always a little risky finding clients, but my annual take home from the previous year covers the downtime

And honestly I’d argue this fairly liberal approach encourages entrepreneurship because you have so many safety nets

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It’s on top of, as the maximum you can get from public unemployment funds are capped fairly low nowadays and rarely reaches the intended 80%, hence why the unions steps in and offers extra insurance

Unions typically offer collectively bargained felt insurance and such here as well

Thanks for the context :)

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